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Medicare Supplement Insurance Plans

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Understanding Medicare Supplement Insurance Plans

Making An Informed Decision

It's smart to study the basics of Medicare Supplement insurance plans before you decide which plan is best for you. This page provides an overview of how Medicare Supplement insurance works with Medicare Parts A and B, including when you can apply, and who is eligible.

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What do I need to know about Medicare Supplement insurance plans?

Here are some basics on Medicare Supplement insurance plans:

  • You're still in the Medicare program - When you purchase Medicare Supplement insurance, you don't replace or cancel your Medicare Parts A and B membership. You have all your Medicare rights and protections.
  • Plans are standardized - The benefits from plan to plan are the same from every insurance company (some companies may offer innovative benefits) - so a Plan C from one company has the same medical coverage as a Plan C from any other. The difference is in the company, the quality of service, and the price. These features are what make Medicare Supplement plans stand out from the rest.
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When is the best time to buy a Medicare Supplement insurance plan?

The best time to buy is during your Medicare Supplement Open Enrollment Period. Your Medicare Supplement Open Enrollment Period lasts for six months. It starts on the first day of the month in which you are:

Once your six-month Medicare Supplement Open Enrollment Period starts, it can't be changed. However, in some situations, you have the right to buy a Medicare Supplement policy outside of your Medicare Supplement Open Enrollment Period. In some states these plans may be available to those under age 65. For those applying for a Medicare Supplement policy prior to age 65, your Medicare Supplement Open Enrollment Period begins on the first day you’re enrolled in Medicare Part B.

NOTE: You can send your application for Medicare Supplement insurance before your Medicare Supplement Open Enrollment Period starts. If you have coverage that will end when you turn age 65, sending your application before open enrollment allows you to have continuous coverage without any breaks.

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Basic Benefits of Medicare Supplement Insurance plans

In most states, policies are standardized into plans labeled A through N. All policies cover basic benefits, but each has additional benefits that vary by plan. Medicare Supplement insurance plans A through G provide benefits at higher premiums with limited out-of-pocket costs. Plans K through N are cost-sharing plans offering similar benefits at lower premiums with greater out-of-pocket costs. Some companies may offer additional innovative benefits.

Plans A and B

Plan A provides basic coverage for hospitalization, medical expenses, and hospice care. Plan B includes the same basic benefits, plus coverage for your Part A deductible.

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Plan C

Plan C offers more coverage than plans A or B. In addition to hospitalization, medical expenses, and hospice care, plus coverage for the Part B deductible, plan C covers skilled nursing care and emergency care abroad.

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Plan F

Plan F offers the basic benefits, plus coverage for both the Part A and Part B deductibles, skilled nursing care, emergency care abroad, and 100% of Part B excess charges. Plan F also has a high-deductible option that can lower your premiums.

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Plan G

Plan G includes basic benefits, plus coverage for additional costs like Part B excess charges (charges above what Medicare pays) and emergency care abroad.

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Plans K and L

These lower-premium policies cover a range of medical costs, including doctors' services and hospital care. The plan pays a percentage of your costs and you are responsible for a portion. Each plan has an out-of-pocket maximum, which limits the amount you will have to pay each year.

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Plan N

Plan N offers the same basic benefits. It includes an office copayment of up to $20 and an emergency room copayment of up to $50. The plan also covers costs for the Part A deductible, skilled nursing care, and emergency care abroad.

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Call Today!1.888.744.8055Calling the number above will direct you to a licensed sales agent.

By providing my information, I consent to have a licensed sales agent contact me via phone, mail or email regarding Medicare Supplement Insurance Plans.